10086 Is the bank responsible for the theft of credit cards from phishing websites?

10086 The bank is not responsible for the theft of credit cards from phishing websites.

Password card: the user is responsible.

At present, almost all banks' credit card regulations stipulate that "all transactions conducted with passwords are regarded as the cardholder's own behavior". Although this is suspected of overlord clause, in the court's determination, the password is often considered as an important means to confirm the identity of the cardholder and plays an important role in credit card consumption. This means that if the credit card is stolen or robbed, the cardholder's password is also obtained by the other party, and he will bear the main responsibility for the stolen credit card, and the responsibility of the acquiring institution is relatively reduced or even unnecessary.

Signature card: merchants pay the bill

Generally speaking, under the premise of no password, the identity of the cardholder is mainly checked by the merchant's signature. In the case of obvious differences in signatures, merchants will undoubtedly bear the main responsibility for the success of stealing brushes. But if the signatures are similar, or even extremely similar, how to distinguish the responsibilities is complicated. After all, the clerk is not a professional appraiser, but in this case, the more similar the signature, the less responsibility the merchant bears. According to the similarity of signatures, there should be differences in the division of responsibilities.